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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,270 | $25,014+77.0% | $69,632-36.4% | $80,959-45.3% |
| Participation rate | 48.4% | 64.2%-15.8pp | 66.4%-18.0pp | 67.7%-19.3pp |
| Annual return | 10.01% | 19.08%-9.1pp | 101.32%-91.3pp | 35.67%-25.7pp |
| Employer contribution / active EE | $0 | $991-100.0% | $1,708-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,711 | $1,840+47.4% | $2,889-6.2% | $4,300-37.0% |
| Admin fee / account holder | $3,494 | $2,491+40.3% | $4,695-25.6% | $6,925-49.5% |